Who Has The Cheapest Motorcycle Insurance In Connecticut?
Progressive has the cheapest motorcycle insurance quotes in Connecticut, at $19 per month.
Compare Motorcycle Insurance Quotes in Connecticut
Best cheap motorcycle insurance in CT
To help you find the best cheap motorcycle insurance in Connecticut, ValuePenguin compared quotes across 25 of the largest cities in the state.
Our experts rated the best motorcycle insurance companies in CT based on cost, customer service and coverage availability.
To find the cheapest companies, our experts compared quotes for a full coverage policy with higher liability limits than the state minimum. Quotes also include collision and comprehensive coverage. Full methodology.
Cheapest motorcycle insurance in Connecticut
Progressive has the cheapest motorcycle rates in Connecticut.
The average price of a full coverage policy from Progressive is $19 per month, or $224 per year, for full coverage. Dairyland offers the second-best rate, at $23 per month.
Compare Motorcycle Insurance Quotes in Connecticut
The average price for motorcycle insurance in Connecticut is $30 per month for full coverage. That's $3 per month less than the national average of $33 per month.
Cheap motorcycle insurance quotes in CT
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $19 | |
| Dairyland | $23 | |
| Allstate | $24 | |
| Harley-Davidson | $29 | |
| Geico | $31 | |
Best motorcycle insurance for most people: Progressive
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Editor rating
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Monthly rate
$19 ?
Pros and cons
Progressive has the best motorcycle insurance in Connecticut for most riders.
It offers a combination of affordable rates, great coverage and dependable customer service.
Progressive's average rate is $19 per month for full coverage. That's $11 per month cheaper than the statewide average, and $4 per month less than the second-best option, Dairyland.
In addition, Progressive's basic policy includes coverages that most other companies charge extra for. These coverage extras are great for riders with new or custom motorcycles.
- Accessories and custom equipment coverage pays up to $3,000 to replace aftermarket parts and equipment. Progressive includes this coverage when you get comprehensive and collision insurance. You can raise that limit to $30,000 for an extra fee.
- Full replacement cost coverage pays to fix your bike with brand new parts after an accident, even if there's wear and tear prior to the crash.
- Original equipment manufacturer (OEM) parts coverage repairs your bike with parts from the original manufacturer after an accident.
Riders insured with Progressive are typically happy with the service they receive. The company gets 35% fewer complaints than other large insurance companies, according to the National Association of Insurance Commissioners (NAIC). So you can count on Progressive to get you back on the road quickly after a crash.
Best for daily riders: Dairyland
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Editor rating
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Monthly rate
$23 ?
Pros and cons
Dairyland is the best company in Connecticut for people who ride their motorcycle daily.
That's because Dairyland offers useful coverage add-ons for daily riders, like rental reimbursement and roadside assistance.
- Rental reimbursement coverage pays for a rental vehicle while your bike is in the shop after an accident.
- Roadside assistance provides help if your motorcycle breaks down on the side of the road. This can include gas or oil delivery, a tire change or a towing service.
Dairyland's motorcycle insurance rates are very affordable in Connecticut. At $23 per month, full coverage from Dairyland is $7 per month cheaper than the state average.
One downside of Dairyland is that the company doesn't offer home insurance. That could be inconvenient if you have an emergency that damages both your home and bike, like a major house fire. You'll have to file claims with multiple companies, versus having one company to handle all of the damage.
Dairyland customers aren't always happy with the service they get from the company. Dairyland gets 60% more complaints than similar companies, according to the NAIC. That means it may take longer to get your bike fixed after a crash, or you could end up paying more for repairs.
Best for touring: Markel
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Editor rating
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Monthly rate
$31 ?
Pros and cons
Markel has the best motorcycle insurance in Connecticut for riders who travel with their bikes.
That's because it offers trailer coverage and breakdown coverage, which covers the cost of some parts if your bike breaks down. Combine those options with add-ons like rental reimbursement and roadside assistance, and you'll be in a good position for a long ride with less worry.
Markel also offers coverage for lots of different types of bikes. This makes it a good choice for custom bike owners and collectors.
- Big twins
- Cruisers
- Custom motorcycles
- Dirt bikes
- Scooters and mopeds
- Sport bikes
- Sport-touring bikes
- Street bikes
- Touring motorcycles
- Trikes
However, motorcycle insurance from Markel can be expensive in Connecticut. The average price of a full coverage policy from Markel is $31 per month. While that's only $1 per month more than the state average, it's $12 per month more than the cheapest option, Progressive.
Riders also can't bundle their motorcycle insurance with an auto policy to get a discount. That's because Markel doesn't cover cars and trucks. However, it covers other vehicles like boats, all-terrain vehicles (ATVs) and motor homes.
Connecticut motorcycle insurance cost by city
Bridgeport and New Haven have the most expensive motorcycle insurance quotes compared to other large cities Connecticut.
Riders in Bridgeport and New Haven, which are the the two largest cities in the state, pay an average of $40 per month for full coverage.
The cheapest rates are in Bristol, a suburban city outside of Hartford. Riders in Bristol pay an average of $24 per month for full coverage.
Full coverage motorcycle quotes by Connecticut city
City | Monthly cost | % from average |
|---|---|---|
| Bridgeport | $40 | 41% |
| Bristol | $24 | -14% |
| Danbury | $26 | -7% |
| East Hartford | $28 | -3% |
| Fairfield | $31 | 11% |
Full coverage rates in Connecticut vary by up to $16 per month across the 25 largest cities in the state. Riders in larger cities typically pay more for insurance than those in smaller towns. That's because cities typically have higher crime and accident rates, which lead to more insurance claims.
CT motorcycle insurance laws
Connecticut motorcycle owners must have a minimum amount of insurance to legally drive their motorcycle. The requirements include bodily injury liability and property damage liability coverage, along with uninsured motorist coverage.
- Bodily injury liability: $25,000 per person; $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist coverage: $25,000 per person; $50,000 per accident
Most riders should get more coverage than just the minimum requirements. A major accident can often lead to expensive medical bills, sometimes more than the $25,000 limit.
In addition, the legally required coverage doesn't protect your own bike. So it's a good idea to have comprehensive and collision if you can't afford to replace your bike after an accident.
Frequently asked questions
How much does motorcycle insurance cost in CT?
Motorcycle insurance costs an average of $30 per month, or $358 per year, in Connecticut for full coverage. However, riders can find much cheaper rates at Progressive. A full coverage policy from Progressive costs around $19 per month in Connecticut.
Does CT require motorcycle insurance?
Yes, Connecticut riders must have at least $25,000 of bodily injury liability coverage and $50,000 per accident, along with matching uninsured and underinsured motorist limits. In addition, you must have $25,000 of property damage liability per accident.
Who offers the cheapest motorcycle insurance in Connecticut?
Progressive has the cheapest full coverage motorcycle insurance rates in Connecticut, at $19 per month. That's $11 per month less than the statewide average.
Compare motorcycle insurance in Connecticut vs other states
Methodology
To find the best cheap motorcycle insurance in Connecticut, ValuePenguin collected 175 quotes from the largest cities across CT. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person; $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person; $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
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